16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01024

Submission Number:
545091-01024
Commenter:
Mr. Roger Rickey
Organization:
R. E. Rickey & Associates, Inc
State:
MI
Initiative Name:
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

Dear Sir or Madam, I fully agree with Senator Schumer's proposal to have the credit reporting and other agencies to give, as advertised, a free credit report first, before charging anything for additional credit reports. On October 6, 2009 I ordered a 'free' credit report from Experion's Free Credit Report.com, and at that time it was my impression that I was to receive the free credit report, and only if I wanted additional credit reports, that I would be charged the $14.95 per month fee. I had trouble receiving my 'free' report and tried to down load a copy on October 16th and again on October 21st, and I was totally shocked when I received my American Express bill that showed that I owed $48.85, $14.95 for each time that I tried to download a credit report that I did not initially receive. Out of frustration and in order to receive a credit report, I order a report for $24.95 and to this date, I still have not received the credit report. I am currently protesting these charges to American Express with a request that these charges be removed from my credit card. I thank Senator Schumer for his work in this area, and hope that he proceeds with getting the bill passed. Please e-mail me at , should you have any questions, or require additional information about this sham that Experion is perpetrating on the people of the USA. Best Regards, Roger E. Rickey